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Two-Wheeler Insurance Plans from Bharti AXA: Get the Best Coverage for Your Bike

15 July 2022, 10:30 PM

If you have a bike, you need to ensure that it is insured in case of theft or an accident. The best way to get the right insurance plan for your bike is by contacting Bharti AXA to learn about its two-wheeler insurance plans in India. it offers different plans based on the type of bike you own and its value.

Bharti AXA insurance plans offer comprehensive protection to two-wheeler owners without being too costly. This guide will help you choose the right policy, so you can continue enjoying your rides knowing that they're fully covered under Bharti AXA two-wheeler insurance plans.

Types of Two-wheeler Insurance Plans Offered by Bharti AXA Insurance

Third-party Liability Cover

This is the most basic plan that offers protection against third-party claims in case of accidents. In case of an accident, Bharti AXA third-party bike insurance provides compensation to other parties involved in accidents with your insured two-wheeler. 

Comprehensive Insurance Cover

This policy offers a range of features, including damage to your bike due to fire, theft, or natural calamities. The Bharti AXA comprehensive bike insurance plan is considered a smarter option for two-wheeler owners as it includes protection against third-party liabilities, protection in case the rider is injured in an accident, and protection against any loss or damages incurred by the vehicle. To help protect your ride, consider Bharti AXA's two-wheeler insurance plans that come with comprehensive coverage to help you get back on your bike quickly if it is stolen or damaged by accident.

Long-term Two-wheeler Insurance

This is an ideal choice if you want to insure your vehicle for an extended period. You can choose a 2 or 3-year policy term for your insurance cover. Doing this will do away with the need to renew your policy year after year. In fact, the Insurance Regulatory Development Authority of India (IRDAI) has mandated insurance companies such as Bharti AXA to compulsorily offer new vehicle owners an initial 5-year policy term.

Reasons to Choose Bharti AXA Two-wheeler Insurance

  • Wide network of branches.
  • 24x7 support and roadside assistance.
  • Wide range of protection plans.
  • Wide range of covers.
  • Premium discounts when you don't claim courtesy of the no-claim bonus feature.
  • You can buy, or renew policies easily and quickly.
  • You can customize your plan with add-on options.
  • Pay your premium online using any of these modes - net banking, UPI, debit card or credit card.
  • Get regular reminders for policy renewal before it lapses.
  • The claim process is hassle-free.
  • Wide network of garages.

What is Covered Under Bharti AXA Two-wheeler Insurance Plans?

The following are some of the standard features offered under the Bharti AXA two-wheeler insurance plan: 

Road Accidents

The two wheeler insurance comprehensive plan protects against all kinds of personal and vehicle damages in case of a road accident. It will also protect you against third-party claims.


If your vehicle is stolen, the insurance company will compensate you, allowing you to replace your old bike with a new one.

Damages Caused by Man-made and Natural Disasters

With the Bharti AXA standalone  own damage bike insurance policy, you can ensure that you don't lose any potential earnings because of fire, strike, riot, or some other kind of man-made destruction of your two-wheeler. Damages caused due to natural disasters, such as earthquakes, cyclones, hurricanes and floods, would also be covered.

Personal Accident Cover

Bharti AXA bike insurance compensates you in case the vehicle owner suffers an injury or if it results in his/her death.

Read more - All About Personal Accidental Cover in Two Wheeler Insurance Policy

What is not Covered Under Bharti AXA Two-wheeler Insurance Plans?

The Bharti AXA bike insurance policy is subject to exclusions that you should be aware of before claiming it. Non-adherence to it could result in a claim rejection.

Losses caused by Drunk Driving

Suppose the driver is under the influence of alcohol or a prohibited drug. In that case, the Bharti AXA bike insurance policy claim will not pay for third-party liabilities or personal injuries and damages.

Ineligible Rider

Bharti AXA will not consider any claim if the driver is below 18 years or if he/she doesn't have a valid driving license.

Depreciation Owing to Normal Wear and Tear

Two-wheeler vehicles will likely face mechanical issues and, due to depreciation, lose a good chunk of their value. Bharti AXA Insurance will not cover these losses. Owning a bike necessitates the owner to spend money on regular servicing to ensure a smoother, easier ride. However, buying a zero depreciation add-on cover for an additional premium helps you get covered against depreciation.

Mechanical or Electrical Malfunction

Mechanical or electrical breakdowns of the bike are not covered under Bharti AXA bike insurance policies.

Commercial Use of Vehicle

If you are using your vehicle for commercial use, any incidents that occur during it are not covered.

Illegal Activity

The insurance policy does not cover incidents when the vehicle is being used illegally.

Geographical Extent

Any incident that happens outside India is not covered.


If your policy is expired, you cannot claim insurance.

Read more -Top 3 Ways to Check the Expiry Dates of Bike Insurance Online in India

Final Thoughts

Bharti AXA two-wheeler insurance plans aim to provide the best possible coverage for your bike and protect you against any financial loss in case of an accident, theft, or natural calamity. Check which of its plans suits your needs and pick that to cover your two-wheeler against unforeseen circumstances should you face them.

Note - Bharti AXA General Insurance has become a part of ICICI Lombard General Insurance. 


1. Are add-ons available with Bharti AXA two-wheeler insurance plans?

You can have all kinds of add-ons on your two-wheeler insurance plans, such as personal accident cover, depreciation cover, etc. You can add that to your insurance plan for an additional cost. However, these add-ons can be added to either a comprehensive plan or a standalone own damage plan of Bharti AXA. If you buy only its third-party liability cover, you cannot buy add-ons for that.

2. Can I choose to insure my bike accessories?

You can insure your bike accessories by paying an extra premium.

3. What will happen to my insurance policy if I decide to sell my two-wheeler?

You can either transfer it to the buyer or cancel it.

4. How much will be my premium if I choose to buy a Bharti AXA two-wheeler insurance plan?

The premium will depend on the type of two-wheeler insurance policy you purchase from Bharti AXA, make and model, the place of vehicle registration, etc. A comprehensive insurance plan, owing to the maximum coverage, will come at a greater premium than the other two - standalone own damage and third-party policies. Of the three, third-party policies will have the least premium because it covers only third-party claims.

5. Can I renew Bharti AXA two-wheeler insurance online?

Yes, you can renew Bharti Axa two-wheeler insurance online via net banking, debit card, credit card or UPI.

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